RRIF & LIF Withdrawal Rates (2025): Reference Table & Planning Guide
This reference table helps you plan withdrawals from:
- RRIF (Registered Retirement Income Fund)
- LIF (Life Income Fund)
Understanding these withdrawal rules is essential for:
- Tax planning
- Cash flow management
- OAS clawback avoidance
Reference Table (2025 Rules)
Rates are subject to updates by CRA and OSFI.
Key Rules Explained
- RRIF minimum withdrawals are set by CRA
- LIF maximum withdrawals are set by OSFI
- RRIF has no maximum withdrawal
These rules directly affect how much taxable income you generate each year.
Important Planning Insight
RRIF and LIF withdrawal rules are not just restrictions — they create tax planning opportunities.
For example:
- Higher withdrawals → higher tax + possible OAS clawback
- Lower withdrawals → better tax control (if allowed)
- LIF limits → restrict your flexibility
Should You Convert RRSP Before Age 65?
It is technically possible to convert an RRSP to a RRIF before age 65.
However:
- It is often less tax-efficient in many cases
- But can be useful for income smoothing strategies
This decision depends on your:
- Income level
- Tax bracket
- Retirement plan
Why This Table Matters
These withdrawal percentages determine:
- Your taxable income
- Your eligibility for benefits (OAS/GIS)
- Your long-term portfolio sustainability
Reference Sources
Related Topics
- RRIF Withdrawal Strategy
- LIRA / LIF Planning
- OAS Clawback Planning
Need Help Planning Your Withdrawals?
These withdrawal rules directly impact your:
- Taxes
- Cash flow
- Retirement sustainability
📩 Contact me to build a personalized withdrawal plan.
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